Frequently Asked Question

What Expenses Are Eligible for Tax-Free Reimbursement From My HSA?

Last updated: September 20, 2019

Answer

Your HSA dollars may be used on a tax-free basis for qualified medical expenses incurred by you, your spouse or your dependent children.

Qualified medical expenses include payments for medical services rendered by physicians, surgeons, dentists and other medical practitioners. They also include the costs of equipment, supplies and diagnostic devices needed for these purposes. Medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness. They don’t include expenses that are merely beneficial to general health, such as vitamins or a vacation. In addition, the following insurance premiums may be reimbursed from an HSA on a tax-free basis:

  • Health care continuation premiums (for example, COBRA premiums)
  • Health insurance premiums while receiving unemployment benefits
  • Qualified long-term care premiums
  • Any health insurance premiums paid, other than for a Medicare supplemental policy, by individuals ages 65 and over

 

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